credit risk manager

Tasaheel تساهيل

<div>
 <strong>
  About Us
  <br/>
  <br/>
 </strong>
 Tasaheel is one of Egypt&rsquo;s leading microfinance institutions, committed to empowering individuals and communities through accessible and responsible financial solutions. Since our establishment, we have played a pivotal role in expanding financial inclusion by offering tailored lending products that support small to medium-sized businesses across the country.
 <br/>
 <br/>
 Driven by a mission to unlock economic opportunities for underserved populations, Tasaheel provides fast, reliable, and transparent financing options that enable entrepreneurs&mdash;particularly women and youth&mdash;to grow their businesses, improve their livelihoods, and contribute to sustainable local development.
 <br/>
 <br/>
 With a wide network of branches spanning urban and rural Egypt, we combine deep market knowledge with cutting-edge technology to deliver high-impact services with efficiency and care. Our team is dedicated to building long-term relationships with our clients based on trust, accountability, and mutual growth.
 <br/>
 <br/>
 <strong>
  Overview
  <br/>
  <br/>
 </strong>
 A Credit Risk Manager is a senior professional responsible for safeguarding our company's assets from potential losses due to a borrower's failure to repay a loan or meet contractual obligations. He will save the company's credit portfolio, tasked with balancing the need for business growth with the imperative of maintaining a healthy, high-quality asset base. This role requires a blend of deep financial analysis, strategic thinking, and strong communication.
 <br/>
 <br/>
 <strong>
  What You&acute;ll Do
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Credit Policy and Strategy Development: Setting the risk appetite via determining the level of credit risk the company is willing to accept to achieve its business objectives , Establishing lending criteria via Specifying the minimum requirements for a loan application, such as an applicant's income level, debt-to-income ratio, and collateral quality and Ensuring regulatory compliance by making sure that all credit policies and procedures align with relevant local and international financial regulations.
  </li>
  <li>
   Portfolio Management: Monitoring performance via tracking key metrics like default rates, delinquency trends, and concentration risk, developing early warning systems via Creating and implementing systems to proactively identify loans that show signs of distress, allowing for timely intervention and reporting by Preparing detailed reports and presentations on the health of the portfolio for the executive team and board of directors.
  </li>
  <li>
   Collections and Remedial Management: Developing collection strategies via creating plans for how to contact and work with delinquent borrowers, loan restructuring via Negotiating new terms with struggling borrowers to help them get back on track and avoid a full default and Loss provisioning by calculating and setting aside funds (loan loss reserves) to cover expected future losses from defaults.
  </li>
  <li>
   Risk Modeling and Analytics: Building and validating models via developing and utilizing statistical models to predict future defaults and estimate potential losses and Conducting stress testing via simulating how the loan portfolio would perform under adverse economic conditions, such as a recession or a sharp rise in interest rates.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  What Makes You a Good Fit
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   A bachelor's degree in finance, economics, accounting, or a related field is a must. A master's degree or professional certifications like the Financial Risk Manager (FRM) or Chartered Financial Analyst (CFA) are highly preferred.
  </li>
  <li>
   Extensive experience of a minimum of 10 years in credit analysis, underwriting, or a related risk management field is essential.
  </li>
  <li>
   Analytical Skills: A strong ability to interpret complex financial data and identify underlying risks.
  </li>
  <li>
   Outstanding communication and presentation skills in both Arabic and English.
  </li>
  <li>
   Leadership and Communication: Must be able to lead a team, present complex information clearly to both expert and non-expert audiences and negotiate effectively.
   <br/>
   <br/>
  </li>
 </ul>
 At Tasaheel, we believe that access to finance is not just a service&mdash;it&rsquo;s a catalyst for transformation.
</div>


Credit Risk Senior Manager

HSBC

<div></div><div><div><div><div><div><div><div><div><div><div>Job description
</div><div><p><b>Some careers open more doors than others.</b><br>
If you&rsquo;re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities.</p><p>
Global Risk is a thriving and expert risk management function supporting HSBC globally with all aspects of risk management. The team actively manages a varied and dynamic range of risk types, including security, fraud, information security, contingency, geopolitical, operational, credit, pension, insurance, financial crime and regulatory compliance, market, and reputation risks. All parts of the Global Risk team use their skills, insight, and integrity to handle established threats and those they see emerging, acting to protect and enable HSBC to deliver sustainable growth.</p><p><b>
Role Overview:</b><br>
In addition to Credit Underwriting, this role will be responsible for credit risk oversight across all MENAT wholesale portfolio. As such, in addition to credit underwriting skills, the incumbent will need to demonstrate broader, strategic portfolio understanding plus balance both firmness and agility in ensuring excesses, past dues and other account behaviour issues are handled promptly.<br>
Accountable for Wholesale Credit Risk Management (WCRM) covering assigned UAE Corporates portfolio including Credit Underwriting by taking credit decisions that are aligned with internal and external Guidelines.<br>
The incumbent will also be the primary lead for the development and enhancement of credit risk oversight activities across MENAT.</p><div><b>
Duties &amp; Responsibilities:</b><br>
<b>Impact on the Business</b><br>
<ul><li>Credit Underwriting &ndash; personally exercise delegated lending authority and take credit decisions that ensure well balanced Risk/Reward and are aligned to HSBC Risk Appetite.</li><li>Portfolio risk management &ndash; Manage overall asset quality of assigned portfolio by identifying trends and initiating risk mitigation measures, tracking High Risk Problem Exposures, challenging Worry/Watch/Monitor accounts, managing Non-Performing Accounts (NPAs) and ensuring timely impairments.</li><li>Responsible for day-to-day oversight of MENAT wholesale portfolio, including leading Exception Management meetings, reviewing and refining oversight framework.</li><li>Develop, monitor and review effectiveness of Key Risk Indicators and MI reports, working closely with Business, Group WCR and MENAT Policy</li><li>Collaborate with Global risk stewardship teams and WCR steward based in offshore Centre of Excellence (CoE) to ensure issues are identified early and correctly captured on Helios.</li><li>Audit &amp; read across &ndash; work collaboratively across all 3 Lines of Defence, ensure UAE audit issues are addressed promptly and with appropriate read-across from other audits.</li></ul><b>
Customers / Stakeholders</b><br>
<ul><li>Meet key UAE clients and actively participate in key UAE clients&rsquo; Account Planning with GRB.</li><li>Provide effective challenges and early-stage guidance to Business in complex transactions in a timely, open-minded and decisive manner.</li><li>Escalate to MENAT Head of WCRM and MENAT Head of Corporate Credit Risk any emerging issue in MENAT wholesale portfolio e.g. recurring past dues in any specific country.</li><li>Provide credit risk oversight and steer to Business monitoring of credit risk, partnering with Risk teams in FLOD to ensure appropriate focus on daily excess reports.</li><li>Establish and maintain strong rapport with Business.</li></ul><b>
Leadership &amp; Teamwork</b><br>
<ul><li>Work effectively and collaboratively with Business, regional Risk teams and other cross functional regional teams.</li><li>Provide guidance and act as &lsquo;buddy&rsquo; to CoE desk officer designated to the incumbent&rsquo;s portfolio.</li><li>This role has a strong &lsquo;culture&rsquo; element, in ensuring there is the right culture of accountability i.e. RMs follow up on their clients&rsquo; excesses promptly, issues are acknowledged and recorded, etc. The incumbent will need to lead by example.</li></ul><b>
Operational Effectiveness &amp; Control</b><br>
<ul><li>Sceptically review credit processes and ensure these are simple and streamlined.</li><li>Provide guidance and input for all wholesale credit risk matters across policy, oversight, risk stewardship, models, initiatives, etc.</li><li>Keep the customer at the heart of all decisions, deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets.</li></ul></div>
</div></div></div></div></div><div><div><div><div><div>Requirements
</div><div><div><b>Experience &amp; Qualifications:</b><br>
<ul><li>Graduate preferably with additional qualifications such as MBA / ACA / CFA / ACIB.</li><li>Minimum 5 years corporate lending experience, as a Credit Officer and/or Corporate Banking Relationship Manager, preferably across multiple geographies.</li><li>Technical skills: proven financial analysis skills, interpreting balance sheet and P&amp;L, stress-testing cashflows, etc.</li><li>Ability to understand, consolidate and apply critical thinking to complex business information in order to identify and mitigate risks.</li><li>Ability to cultivate strong relationships with Business, at all levels, as well as various Partners including Legal, Products, Group.</li><li>Ability to handle and present challenging proposals to senior management in a clear and succinct manner.</li><li>Experience in and understanding of the UAE market will be an advantage, as well as experience in risk stewardship, non-financial risk or providing risk oversight.</li><li>Aside from technical skills and experience, the jobholder will be self-driven &amp; curious, commercial, comfortable in handling difficult conversations but also in taking pragmatic decisions.</li><li>Graduation degree is REQUIRED&ndash; to secure a UAE Visa and Work Permit</li></ul></div><p>
For further details and application information please visit our careers site, searching under reference number (ID: 0000LNXT).</p><p>
We support our staff to adopt flexible and alternative ways of working where possible, including working from home and different hours subject to approvals.</p><p>
HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.</p><p>
Issued by The Hong Kong and Shanghai Banking Corporation Limited.</p></div></div></div></div></div></div></div></div></div></div><p></p>

Senior Manager, Corporate Credit Risk, UAE and Lead Credit Risk Oversight

Deem Finance

<div>
 <p>
  <strong>
   Strategic Leadership and Digital Credit Transformation
  </strong>
 </p>
 <ul>
  <li>
   Define and lead the bank&rsquo;s digital credit risk strategy, focusing on scalable, automated, and data-driven underwriting systems.
  </li>
  <li>
   Design and refine digital underwriting frameworks and scoring models across products, embedding them into end-to-end digital journeys.
  </li>
  <li>
   Implement rule-based decision engines and AI-driven risk assessments to support real-time approvals and risk-based pricing.
  </li>
  <li>
   Collaborate with IT and product teams to build API-based ecosystems that integrate credit bureaus, identity verification services, bank statement readers, and alternate data sources.
  </li>
  <li>
   Establish credit risk architecture for mobile apps, digital onboarding, and straight-through processing platforms.
  </li>
 </ul>
 <p>
  <strong>
   Credit Policy, Governance, and Regulatory Compliance
  </strong>
 </p>
 <ul>
  <li>
   Develop and maintain robust credit policies, product-specific underwriting criteria, and risk frameworks aligned with Central Bank and internal governance standards.
  </li>
  <li>
   Monitor credit performance by segment (personal loans, credit cards, SME), ensuring adherence to limits, exposure, and thresholds.
  </li>
  <li>
   Serve as the main point of contact for regulatory bodies during credit audits and inspections.
  </li>
  <li>
   Ensure KYC, AML, and FATCA-related risks are controlled during the credit origination and review stages.
  </li>
 </ul>
 <p>
  <strong>
   Credit Operations and Underwriting Oversight
  </strong>
 </p>
 <ul>
  <li>
   Oversee the performance and structure of underwriting teams including Team Leader Underwriters and Underwriters.
  </li>
  <li>
   Drive productivity through digitized workflows, performance dashboards, and process automation.
  </li>
  <li>
   Approve complex and exception-based cases that fall outside automated decision criteria.
  </li>
  <li>
   Optimize operating models to manage both high-volume retail products and higher-risk SME accounts.
  </li>
 </ul>
 <p>
  <strong>
   Portfolio Management and Risk Monitoring
  </strong>
 </p>
 <ul>
  <li>
   Lead ongoing monitoring and review of portfolio performance using data analytics, portfolio segmentation, and scorecard tracking.
  </li>
  <li>
   Conduct risk reviews and trend analysis to identify early warning signals and take preventive action.
  </li>
  <li>
   Design and execute stress tests and simulations for adverse macroeconomic scenarios or sectoral shocks.
  </li>
  <li>
   Maintain dynamic risk appetite statements and exposure limits based on internal and external triggers.
  </li>
 </ul>
 <p>
  <strong>
   Innovation, Product Risk &amp; Credit Enablement
  </strong>
 </p>
 <ul>
  <li>
   Collaborate with the Product and Growth teams to ensure credit products are risk-aligned from the design stage.
  </li>
  <li>
   Support digital product launches by predefining acceptable credit parameters, pricing bands, and automated decision rules.
  </li>
  <li>
   Continuously evaluate market trends, competitor offerings, and alternative lending innovations to improve the bank&rsquo;s credit risk posture.
  </li>
  <li>
   Work closely with fintech partners, credit bureaus, and third-party vendors to build credit intelligence capabilities.
  </li>
 </ul>
 <p>
  <strong>
   Credit Review and Obligors Oversight
  </strong>
 </p>
 <ul>
  <li>
   Annual individual obligor reviews (Wholesale) and portfolio reviews (Retail).
  </li>
  <li>
   Trigger events for risk rating updates and policy amendments.
  </li>
  <li>
   Clear documentation for credit decisions and delegation matrix for approvals.
  </li>
 </ul>
 <p>
  <strong>
   Exception Management
  </strong>
 </p>
 <ul>
  <li>
   Requirement to justify exceptions or deviations in writing.
  </li>
  <li>
   Process for referring exceptions to CRO for review while maintaining CCO&rsquo;s decision-making autonomy.
  </li>
  <li>
   Collaboration with CRO when a proposal breaches risk appetite.
  </li>
 </ul>
 <p>
  <strong>
   Regulatory Oversight
  </strong>
 </p>
 <ul>
  <li>
   Clear expectation of compliance with UAE Central Bank regulations, Basel norms, and audit readiness.
  </li>
  <li>
   Role in regulatory inspections, audits, and supporting full transparency.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Team Development and Leadership
  </strong>
 </p>
 <ul>
  <li>
   Lead and mentor the credit underwriting leadership team to foster high performance, accountability, and knowledge growth.
  </li>
  <li>
   Identify training needs related to digital credit analytics, fraud detection, and behavioral underwriting.
  </li>
  <li>
   Build a talent pipeline that combines traditional underwriting expertise with data analytics and digital fluency.
  </li>
 </ul>
 <p>
  Encourage a culture of agility, continuous improvement, and cross-functional collaboration
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Role Specifications
  </strong>
 </p>
 <p>
  Education
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in Finance, Business Administration, Risk Management, Economics, or a related field (Mandatory)
  </li>
  <li>
   MBA or Master&rsquo;s in Risk Management or Financial Engineering preferred
  </li>
  <li>
   Professional certifications such as FRM, CFA, or equivalent are highly desirable
  </li>
  <li>
   In depth knowledge in Basel standards and internal credit review frameworks.
  </li>
 </ul>
 <p>
 </p>
</div>


Chief Credit Officer

American Express

<div><p>At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
</p><p>Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
</p><p><b>How will you make an impact in this role?
</b></p><p>Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also, they do preventive work to avoid future overdues with accounts that have a high exposure.
</p><p>The candidate is responsible to conduct independent portfolio monitoring and credit risk assessments, develop and maintain credit risk policies and standards, review credit risk processes, and take part in projects that provides Second Line challenge to front-line risk teams. This role assures that Credit risk is properly evaluated and effectively communicated. The role also provides the opportunity to work with and impact numerous diverse businesses at American Express. The breadth of responsibilities in this role provides a great training ground for a candidate looking to understand the key principles of Institutional credit risk management.
</p><p><b>Key Responsibilities:
</b></p><ul><li>The Credit Risk Oversight team within American Express oversees the Credit Risk Appetite limits, policy exceptions, and credit concentrations
</li><li>The Credit Oversight team performs independent reviews of commercial portfolios that include an evaluation of the adequacy and accuracy of credit decisions, consistent application of risk policy and credit procedures, analysis of underwriting standards and practice, and determining through ongoing monitoring the overall assessment of asset quality.
</li><li>Collaborate with Business Unit Risk teams to enhance decision processes or address major credit issues.
</li><li>Analyze trends in the charge and lending portfolios and conduct deep dive analysis to understand key drivers.
</li><li>Support the development of next generation risk capabilities (e.g. Smart Monitoring)
</li><li>Produce credit risk dashboards for AXP Risk Committees including tracking risk appetite metrics.
</li></ul><p><b>Qualifications:
</b></p><ul><li>0 &ndash; 3 years&rsquo; credit risk management experience or underwriting commercial exposures to small business, middle-market, and large multinational institutions
</li><li>Knowledge of financial statement analysis including an understanding of key financial ratios with the ability to form independent opinions on credit and recognize emerging risks
</li><li>Familiarity with banking regulations, particularly those imposed by OCC and Federal Reserve.
</li><li>Knowledge of macroeconomic trends and its impact on borrower repayment.
</li><li>Analytical skills and business acumen with a risk-reward control perspective.
</li><li>Experience with data-driven analytical tools a plus (e.g. SQL, SAS, HIVE/HADOOP, R, Python)
</li><li>Ability to clearly communicate findings to credit risk peers, business partners, and senior leaders.
</li><li>Demonstrates the courage to challenge the status quo.
</li><li>Demonstrates the ability to successfully manage multiple priorities under pressure.
</li><li>Proven ability to collaborate with colleagues across the Company.
</li><li>Self-starter with natural curiosity to solve problems.
</li><li>Bachelor&rsquo;s degree with a degree (or substantial coursework) in finance, accounting, economics, or statistics
</li></ul><p>Salary Range: $55,000.00 to $105,000.00 annually + bonus + benefits
</p><p>The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we&rsquo;ll consider your location, experience, and other job-related factors.
</p><p>We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
</p><ul><li>Competitive base salaries
</li><li>Bonus incentives
</li><li>6% Company Match on retirement savings plan
</li><li>Free financial coaching and financial well-being support
</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits
</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
</li><li>Free and confidential counseling support through our Healthy Minds program
</li><li>Career development and training opportunities
</li></ul><p>For a full list of Team Amex benefits, visit our Colleague Benefits Site .
</p><p>American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles&rsquo; Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.
</p><p>We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
</p><p>US Job Seekers - Click to view the &ldquo; Know Your Rights &rdquo; poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster
</p><p>*Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.</p></div>

Analyst-Risk Management

EXL Service

<div></div><div><div><div><div><div><div><div><div>Manager</div><p>EXL/M/1476965</p><ul>
ServicesGurgaon</ul></div><div><div><div><ul><div><div><div>
Posted On</div><div>
10 Sep 2025</div></div></div><div><div><div>
End Date</div><div>
25 Oct 2025</div></div></div><div><div><div>
Required Experience</div><div>
5 - 10 Years
</div></div></div></ul></div></div></div></div></div></div><p></p><div><div><p>
</p></div></div></div><p><div><div><div><div><div>Basic Section</div></div></div><div><div><p>
Number Of Positions</p><p>
1</p></div><div><p>
Band</p><p>
C1</p></div><div><p>
Band Name</p><p>
Manager</p></div><div><p>
Cost Code</p><p>
D009060</p></div><div><p>
Campus/Non Campus</p><p>
NON CAMPUS</p></div><div><p>
Employment Type</p><p>
Permanent</p></div><div><p>
Requisition Type</p><p>
Backfill</p></div><div><p>
Max CTC</p><p>
2000000.0000 - 2500000.0000</p></div><div><p>
Complexity Level</p><p>
-</p></div><div><p>
Work Type</p><p>
Work From Office &ndash; Fully Working From EXL/ Client Offices</p></div></div></div><div><div><div><div>
Organisational</div></div></div><div><div><p>
Group</p><p>
Analytics</p></div><div><p>
Sub Group</p><p>
Banking &amp; Financial Services</p></div><div><p>
Organization</p><p>
Services</p></div><div><p>
LOB</p><p>
Banking &amp; Financial Services</p></div><div><p>
SBU</p><p>
Analytics</p></div><div><p>
Country</p><p>
India</p></div><div><p>
City</p><p>
Gurgaon</p></div><div><p>
Center</p><p>
EXL - Gurgaon Center 38</p></div></div></div></div></p><div><div><div><div>
Skills</div></div><div><div><p>
Skill</p><div><p>
CREDIT RISK
</p><p>CREDIT UNDERWRITING
</p><p>STAKEHOLDERMANAGEMENT
</p><p>PERFORMANCE DASHBOARDS
</p><p>SAS
</p><p>SQL
</p><p>TABLEAU
</p></div></div><div><p>Minimum Qualification</p><div><p>
B.TECH/B.E</p></div></div><div><p>
Certification</p><p>
No data available
</p></div></div></div></div><div><div><div><div>Job Description</div></div><div><p>
A successful candidate would work as a EXL consultant with a leading US Financial Service Organization on an unsecured portfolio. The job will require the consultant to work on:</p><ul><li>
Analyze customer credit profiles, transaction patterns, and repayment behavior to recommend credit limit adjustments in both proactive and reactive scenarios.</li><li>
Develop and refine risk models, decision frameworks, and scoring methodologies for credit limit increase decisions.</li><li>
Monitor portfolio performance, early warning indicators, and risk trends, escalating concerns as needed.</li><li>
Collaborate with cross-functional teams including underwriting, fraud prevention, compliance, and customer experience to implement risk controls and enhance credit policies.</li><li>
Design and execute scenario analysis to assess potential risk exposures.</li><li>
Ensure adherence to regulatory requirements, responsible lending practices, and internal credit guidelines.</li><li>
Support reporting and governance by preparing insights for senior management, audit, and compliance reviews.</li></ul><p><b>
Qualifications:</b></p><ul><li>
Bachelor&rsquo;s degree in Finance, Economics, Statistics, Mathematics, or related field; Master&rsquo;s degree preferred.</li><li>
5-10 years experience in analytics and decision science.</li><li>
Strong understanding of credit scoring models, limit management frameworks, and portfolio risk analytics.</li><li>
Risk analytics experience : Portfolio Analytics, Acquisition and Line Management, Policy and audit analysis, Reporting / Dashboarding, Performance tracking (should have a knowledge of risk concepts like delinquencies , pre-payments and loss-curves ect.)</li><li>
Proficiency in SQL, SAS,Python; familiarity with BI tools (Tableau, Power BI) is a plus.</li><li>
Excellent problem-solving, communication, and stakeholder management skills.</li></ul></div></div></div><p></p><div><div><div><div><br>
Workflow</div></div><div><div><p>
Workflow Type</p><div>
L&amp;S-DA-Consulting</div></div></div></div></div></div></div><p></p>

Manager

On Hire

Our client, a prominent player in the financial services industry, is seeking an experienced Credit Manager to join their finance team. The Credit Manager will be responsible for overseeing the credit management process and ensuring the company's credit policies are effectively implemented and adhered to.
<br>In this role, you will assess the creditworthiness of potential clients, manage credit limits, and lead a team dedicated to ensuring optimal cash flow while minimizing bad debt risk. Your expertise in risk assessment and relationship management will be key to maintaining positive client relations while safeguarding the company’s financial interests.
<br><br>
<b>Key Responsibilities:</b><br>
1. Lead the credit assessment team responsible for underwriting all loan applications (consumer and microfinance).
<br>2. Ensure that credit decisions are consistent, well-documented, and aligned with approved credit policies and product programs.
<br>3. Develop and maintain standardized evaluation methodologies tailored to customer segments and product types.
<br>4. Establish and enforce service level agreements (SLAs) for application turnaround time (TAT) across channels.
<br>5. Implement robust quality control processes to detect and reduce errors, fraud, and deviations from policy.
<br>6. Drive continuous improvement of underwriting workflows and use of decision-support tools and scoring models.
<br>7. Work closely with the Credit Policy and Risk teams to provide feedback on observed credit trends, exceptions, and operational challenges.
<br>8. Support testing and implementation of new credit policies, rule adjustments, and system upgrades.
<br>9. Build, train, and lead a team of credit analysts, underwriters, and credit reviewers.
<br>10. Develop competency frameworks, training plans, and performance KPIs to ensure consistent evaluation standards.
<br>11. Foster a culture of accountability, speed, and risk awareness within the team.
<br>12. Generate regular reports on application volumes, approval/rejection rates, exception trends, and team productivity.
<br>13. Highlight key risk indicators and support root cause analysis of delinquency related to credit decisions.
<br>14. Monitor turnaround time (TAT) and enhance efficiency in credit operations through automation and system integration.
<br><br>
<b>Requirements:</b><br>
<ul>
<li>Bachelor’s degree of Commerce, Business Administration, Accounting or equivalent.</li>
<li>8+ years of experience in credit risk, quality assurance, or related roles, with at least 3 years in a leadership position.</li>
<li>Proven expertise in consumer and microfinance lending operations</li>
<li>Experienced with automated credit decisioning systems or loan origination platforms. Skills:</li>
<li>Strong knowledge of credit policies, underwriting processes, and regulatory requirements.</li>
<li>Proficiency in data analysis, reporting tools, and quality assurance methodologies.</li>
<li>Excellent leadership, problem-solving, and communication skills.</li>
<li>Attention to detail and a strong focus on accuracy and compliance.</li>
<li>Strategic thinking with the ability to align quality assurance practices with business goals.</li>
</ul>
<b>Benefits:</b><br>
Attractive Package

Credit Manager - Consumer Credit

Doha Bank

<div><p>Are you a seasoned credit risk professional ready to shape the future of risk evaluation in a dynamic banking environment? Join our team as a Manager &ndash; Credit Risk Evaluation, where you&rsquo;ll lead strategic credit reviews across our Institutional Banking Group (IBG), Treasury, and Wholesale Banking functions.</p></div><p></p>

Manager Credit Risk Evaluation

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